after a while they decided, let's create and enforce rules with dennis, the house. if you default you are going to get kicked out of the coffee house. we are going to call you a lame-duck. that is where the expression comes from. they have to waddle out and leave the exchange. john: and the coffeehouse, one of the first ones begin the london stock exchange. >> that's right. the mother became my word is my bond it. john: thank you. we need government. we need regulation to make sure. it does not have to be government regulation. coming up, how smart are robots about to get? also, how the internet helps us keep an eye on government and out government officials polk out government officials polk at a dry cleaner, out government officials polk we replaced people with a machine. what? customers didn't like it. so why do banks do it? hello? hello?! if your bank doesn't let you talk to a real person 24/7, you need an ally. hello? ally bank. your money needs an ally. ♪ >> no more secrecy. that's a commitment i make to you. john: no more secrecy sounds good. everybody appl